Image may not be everything but as we learn from Role Model Amanda Steinberg in "How to be a Financial Grownup", it matters. Steinberg reveals her regret at not paying enough attention to how she presented herself at a critical time early in her career. Her story has resonated with so many readers, who have taken her advice to heart.

Amanda kicks off our "How to Spend Money" chapter with a push for readers to pay attention, and as needed spend money on their image. Too often we talk about penny pinching on the wrong things. Amanda sets readers of "How to be a Financial Grownup" on the right path. Next year she will add to the conversation with her own book "Worth It. Your Life, Your Money, Your Terms." After reading "How to be a Financial Grownup" I encourage you to follow up by checking it out.